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Hyundai's credit reporting system is broken. It was so bad that they were doing manual corrections, that were then overridden by automatic systems. One person had paid off their note and Hyundai reported them as late. Its hard to think of a worse system.

Here is a link to the consent order:
https://files.consumerfinance.gov/f/d...

Here are links to the three CFPB complaints referenced:
https://www.consumerfinance.gov/data...
https://www.consumerfinance.gov/data...
https://www.consumerfinance.gov/data...